FirstCash Holdings, Inc.
Rank #188Capital ReturnFCFS · Nasdaq · Financial Services
FirstCash Holdings, Inc. (FCFS) — Rank #188 by gross profitability (GP/assets 0.34) · ROE 14.2% · Piotroski F-Score 7 / 9.
As-of 2026-09-15 · CIK 0000840489 · all metrics point-in-time as of the filing date.
About
FirstCash Holdings, Inc., together with its subsidiaries, operates retail pawn stores in the United States, Mexico, rest of Latin America, and the United Kingdom.
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The company operates through four segments: U.S. Pawn, Latin America Pawn, U.K. Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures and over-the-counter purchases from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc.
was incorporated in 1988 and is headquartered in Fort Worth, Texas.
- Industry
- Credit Services
- Sector
- Financial Services
- State
- TX
- Filer Category
- Large accelerated filer
- Fiscal Year End
- December 31
- Website
- firstcash.com
Price History
Company Snapshot
P/E and reverse DCF are the primary valuation lenses at this stage.
Market Cap
$9.19B
P/E (annual)
28.6
P/S (annual)
2.5
P/B
4.0
P/OCF (annual)
15.7
Shareholder Yield
2.2%
Employees
—
Industry
Credit Services
Exchange
Nasdaq
Signal Flags
Quality Profile
Profitability
1/1 passSafety
1/1 passCash Flow
3/3 passGrowth
2/2 passTerry Smith quality gate
Passes 2/5 Terry Smith thresholds3 of 5 thresholds not computable from filed data.
What Growth Is Priced In
Implied revenue growth (10Y)
6.1%
The annual FCF growth rate today's price requires over a 10-year horizon (discount rate 10%, terminal growth 2.5%).
Buyback tailwind: -1.4% — per-share value needs a total required return of 4.7% once share-count change is priced in.
vs. own 6-year median revenue growth: 7.8%
within its own historyCost-of-equity sensitivity (implied growth at different discount rates)
r = 8%
1.9%
r = 10% (base)
6.1%
r = 12%
9.7%
Net debt / market cap: 21.6%
Valuation History
Current multiple vs historical range at each filing date. Band spans 25th-75th percentile.
P / E
Price / diluted EPS
P / S
Price / revenue per share
P / B
Price / book value per share
P / GP
Price / gross profit per share
P / FCF
Price / free cash flow per share
Disclosure regression check
A previously-disclosed line item is no longer reported. Worth checking the filing for why.
FCF yield, shareholder yield, and buyback activity are the primary reads at this stage.
Profitability
Gross profitability (GP / assets)
0.34
Primary signal (Novy-Marx).
11th of 14 SIC 59 peers
Return on equity
14.2%
Gross margin
50.3%
5th of 14 SIC 59 peers
Revenue growth (YoY)
8.0%
Gross margin improving
Margin trend vs prior year.
Operating Leverage
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Revenue vs COGS | ||||
| Revenue vs OpEx | ||||
| Op. Income vs Revenue |
Growth
Revenue CAGR (3Y)
10.3%
Revenue CAGR (5Y)
17.5%
Earnings CAGR (3Y)
9.2%
FCF CAGR (3Y)
7.0%
Anti-fragile safety
Balance-sheet safety
Composite anti-fragile check.
Debt / equity
1.36
6th of 10 SIC 59 peers (best = lowest)
Current ratio
4.89×
1st of 14 SIC 59 peers
Quick ratio
0.70×
Net cash
-$2.04B
Cash & equivalents minus total debt.
Recession resistance
Revenue through recessions
Worst single-year YoY revenue decline, 17 years of history
Cash-flow health
Free cash flow
$531.04M
Operating cash flow minus capex.
Positive free cash flow
FCF / net income
0.61
Cash-backing of earnings.
FCF/NI divergence
Unfavorable divergence (yellow flag).
Accruals healthy
Cash-backed earnings.
SBC / revenue
0.6%
Stock-based comp intensity.
Dividend safety
Composite score
3.8 / 5
Piotroski F-Score
F-Score
7 / 9
Fundamental-strength score (0-9).